10-Q · May 12, 2026
Oak Valley Bancorp reported a slight improvement in net income for Q1 2026, reaching $5,309,000 or $0.64 diluted EPS, compared to $5,297,000 in the same period a year earlier. Total revenue increased to $20.8 million,…
Earnings analysis · 10-Q
OVLY earnings analysis
Filed August 14, 2026 · Our reading of the company's report
The latest report
Oak Valley Bancorp’s Q2 2026 revenue of $20.609 million and diluted EPS of $0.61 declined from $23 million and $0.67 in Q2 2025, and also fell sequentially from $24 million and $0.64. The supplied filing text provides…
Read full summary
Oak Valley Bancorp’s Q2 2026 revenue of $20.609 million and diluted EPS of $0.61 declined from $23 million and $0.67 in Q2 2025, and also fell sequentially from $24 million and $0.64. The supplied filing text provides no current gross margin, operating margin, free cash flow, balance-sheet, segment, or cash-flow figures. Management provided no quantitative guidance, stated that market-risk exposures had not changed materially as of June 30, 2026, and disclosed no material changes to the previously reported risk factors.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.61
What stood out
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Revenue and EPS declined year over year
Reported Q2 2026 revenue was $20.609 million and diluted EPS was $0.61, versus $23 million and $0.67 in Q2 2025, respectively, indicating year-over-year declines.
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Sequential revenue and EPS weakness
Revenue of $20.609 million and EPS of $0.61 were also below the prior quarter’s $24 million and $0.64, respectively.
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Market-risk exposure stable
Management stated that market-risk exposures as of June 30, 2026 had not changed materially since December 31, 2025.
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Effective disclosure controls
Management reported that disclosure controls were effective as of the June 30, 2026 evaluation date, with no significant changes in internal controls during the quarter.
What to watch
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No updated risk-factor assessment
The filing states that there were no material changes to the risk factors in the December 31, 2025 Form 10-K filed March 25, 2026; therefore, no newly identified risk mitigation or reduction was disclosed.
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Planned insider share sales
Director Daniel Leonard adopted a Rule 10b5-1 trading arrangement on April 28, 2026 covering the sale of 2,750 shares over 22 months from July 2026 through April 2028.
Management's outlook
No quantitative revenue or EPS outlook was provided in the supplied 10-Q text; management stated that market-risk exposures as of June 30, 2026 had not changed materially since December 31, 2025.
Earlier filings 4
10-K · March 25, 2026
Oak Valley Bancorp (parent of Oak Valley Community Bank) remains a community-focused commercial bank concentrated in California’s Central Valley and Eastern Sierras, operating a 19-branch network and pursuing modest…
10-Q · August 14, 2024
Oak Valley Bancorp reported Q2 2024 diluted EPS of $0.71 on total revenue of $19.05M, with net interest income of $17.29M. Loans continued to grow (total loans $1,070.0M, net loans $1,057.6M), but results were down…
10-Q · May 14, 2024
Oak Valley Bancorp reported Q1 results with total revenue of $18,760,000 and diluted EPS of $0.69. Revenue and net income declined year-over-year as interest expense on deposits rose and securities unrealized losses…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.